Quick Look

Variable Annuities

Jackson® variable annuities offer a variety of investment choices and options to help you pursue your ever-evolving investing and retirement goals. Work with your financial professional to build a portfolio that suits your financial objectives.

What is a Variable Annuity? Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Contract form numbers: VA650, VA660, VA650NY, VA660NY

1.00%

5 Years

$5,000 Nonqualified

$2,000 Qualified

In certain states, we reserve the right to refuse any subsequent premium payments. Does not apply in Oregon.

Elite Access is designed as an investment only variable annuity (IOVA) offering no guaranteed living benefit options but focused instead on broadly diversified investment options.

Elite Access is designed as an investment only variable annuity (IOVA) offering no guaranteed death benefit options but focused instead on broadly diversified investment options.

The standard death benefit is equal to contract value on the date of the claim and does not include any additional guarantees.

Liquidity Option

Additional charge of 0.25% charged for the life of the contract. If elected the Fixed Account Options are not available.

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access Advisory features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Monthly contract charge: $10/month or $120/year. The Monthly Contract Charge will increase by $2.50 on every fifth Contract Anniversary following the issue date. Jackson reserves the right to waive any increase in a non discriminatory manner.

3 Years

$25,000 Nonqualified

$25,000 Qualified

In certain states, we reserve the right to refuse any subsequent premium payments.

More than 130 professionally managed investment options — many exclusive to Jackson.

Elite Access Advisory is designed as an investment only variable annuity (IOVA) offering no guaranteed living benefit options but focused instead on broadly diversified investment options.

Elite Access Advisory is designed as an investment only variable annuity (IOVA) offering no guaranteed death benefit options but focused instead on broadly diversified investment options.

The standard death benefit is equal to contract value on the date of the claim and does not include any additional guarantees.

N/A

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access Advisory II features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Elite Access Advisory II is designed as an investment only variable annuity (IOVA) offering no guaranteed living benefit options but focused instead on broadly diversified investment options.

Elite Access Advisory II is designed as an investment only variable annuity (IOVA) offering no guaranteed death benefit options but focused instead on broadly diversified investment options.

The standard death benefit is equal to contract value on the date of the claim and does not include any additional guarantees.

N/A

A variable annuity with optional benefits for an additional charge that combines the growth potential of a wide range of investment options with benefits designed for guaranteed lifetime income and the opportunity to leave a legacy. Perspective II provides the power of tax-deferred earnings in a single, customizable retirement plan.

Contract form numbers: VA620, VA620NY (09/12)

1.30%
1.40% in NY

7 Years

$10,000 Nonqualified

$5,000 Qualified

In certain states, we reserve the right to refuse any subsequent premium payments. Does not apply in Oregon.

More than 140 professionally managed investment options to invest the way you and your advisor think best.
Investment Options

On the contract anniversary on or immediately following the owner's (or older joint owner's) attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the owner (or older joint owner) is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.

Includes a standard return of premium death benefit and multiple enhanced death benefit options to guarantee growth and lock in market gains for a potentially more robust legacy.
Benefit Options

Death benefits terminate if contract value falls to zero.

Optional 4-year withdrawal charge schedule

Additional charge of 0.40% charged for the first 4 years of the contract. If elected premiums are only allowed in the first contract year.

A variable annuity with optional benefits for an additional charge that combines the growth potential of a wide range of investment options with benefits designed for guaranteed lifetime income and the opportunity to leave a legacy. Perspective Advisory II provides the power of tax-deferred earnings in a single, customizable retirement plan.

Contract form numbers: VA790, ICC17 VA790, ICC17 VA790-FB1, VA790-FB1

0.45%† Core Contract Charge

None

$25,000 Nonqualified

$25,000 Qualified

In certain states, we reserve the right to refuse any subsequent premium payments.

More than 140 professionally managed investment options to invest the way you and your advisor think best.
Investment Options

On the contract anniversary on or immediately following the designated life's attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the designated life is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.

Multiple enhanced death benefit options to guarantee growth and lock in market gains for a potentially more robust legacy.

The standard death benefit is equal to the contract value on the date of the claim and does not include any additional guarantees. Optional death benefits are available for an additional fee and may cause the Fixed Account Options to be unavailable. Death benefits terminate if contract value falls to zero and upon spousal continuation.

N/A

*Mortality & Expense Risk & Administrative Charges. The administration charge is waived if the contract value on the later of the issue date or the most recent contract quarterly anniversary is greater than or equal to $1 million.

†Core Contract Charge is 0.45% annually; this charge is reduced to 0.40% if the contract value on the later of the issue date or most recent contract quarterly anniversary is greater than or equal to $1 million.

‡Core Contract Charge is 0.35% annually; this charge is reduced to 0.30% if the contract value at the later of the issue or latest quarterly contract anniversary is greater than or equal to $1 million.

Death benefits terminate if the contract value falls to zero.

Select up to a maximum of 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among Variable Investment Options, including trading out of and back into the same subaccounts within a 15-day period.

Firm and state variations may apply.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k), or an IRA, and may not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.

Build a Foundation

At Jackson, we take the responsibility of providing quality investment solutions very seriously. We encourage you to reach out to a financial professional who can help you explore the wide variety of resources we offer to assist in your investing journey.

Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

The latest income date allowed is age 95, which is the required age to annuitize or take a lump sum. Please see the prospectus for important information regarding the annuitization of a contract.

Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Only one optional living benefit and one optional death benefit may be elected per contract. Once elected, benefits may not be cancelled; please see prospectus for specific benefit availability. The long-term advantage of the optional benefits will vary with the terms of the benefit option, the investment performance of the variable investment options selected, and the length of time the annuity is owned. As a result, in some circumstances the cost of an option may exceed the actual benefit paid under that option.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.

Variable annuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York, by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. These contracts have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your representative or contact Jackson for more information.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •Not a deposit • Not insured by any federal agency